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All Journal ZIJEc: Zabags International Journal of Economy
Khusnul Yatima
Al-Mujaddid Sabak Islamic Institute, Indonesia
Religion Humanities Economics, Econometrics & Finance Social Sciences

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An Islamic Law Perspective on Online Rotating Savings and Credit Associations (ROSCAs) among Housewives Julia Amanda; Zaenal Abidin; Khusnul Yatima; Nilfatri; Zeni Sunarti; Anastasia Aninditia Muman Dewi
Zabags International Journal of Economy Vol. 4 No. 2 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i2.128

Abstract

This study aims to examine the practice of arisan online among housewives in Desa Pandan Lagan from the perspective of Islamic economic law. The research is motivated by the phenomenon of digitalized arisan, which provides convenience but simultaneously raises risks such as default, fraud, and weak transparency in the system. A qualitative case study strategy was employed, combining an empirical juridical approach with normative Sharia analysis. Primary data were collected through interviews, observations, and documentation involving the administrator, active members, and local religious leaders, while secondary data were drawn from fiqh muamalah literature, KHES regulations, and DSN-MUI fatwas. The findings reveal that arisan online practices in Desa Pandan Lagan are supported by internal mechanisms such as transparent financial reporting, written rules agreed upon collectively, and the imposition of fines that encourage timely payments. Nevertheless, instances of default and limited transparency in managing penalty funds were identified, which may lead to elements of gharar and tadlis. The contribution of this study lies in its integration of empirical data with normative Sharia analysis, enriching contemporary fiqh muamalah literature while offering practical recommendations for communities and policymakers to manage arisan online more fairly, transparently, and in accordance with Islamic legal principles.
An Islamic Legal Perspective on Gharar in the Practice of Selling Es Campur Gitok in Lagan Ulu Village Friski Fahrul Yadin; Kurniawan; Hasna Dewi; Reza Okva Marwendi; Khusnul Yatima; Soban Ahmad
Zabags International Journal of Economy Vol. 4 No. 2 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i2.129

Abstract

This study investigates the phenomenon of gharar (uncertainty) in the practice of selling es campur Gitok in Lagan Ulu Village, where the absence of standardized measures leads to variations in portion sizes despite fixed pricing. The primary objective is to describe the local sales practices and to analyze them within the framework of Islamic law, particularly regarding the principle of contractual clarity in muamalah. Employing a qualitative descriptive case study approach, data were collected through observation, interviews with sellers, buyers, and religious leaders, as well as documentation. The findings reveal that sellers rely on simple containers without fixed standards, resulting in inconsistent portions among customers. Despite this uncertainty, transactions continue due to mutual consent (‘an-taradhin) and trust between parties. From the perspective of Islamic law, such practices reflect elements of minor gharar that remain permissible as long as they do not cause substantial harm or involve deception. The study contributes to the broader discourse on Islamic economic law by extending the analysis of gharar beyond modern financial and digital contexts to traditional rural trade practices. It also offers practical implications for small-scale food vendors and local communities, emphasizing the importance of transparency and fairness in everyday transactions to align with Islamic principles.
Co-Authors Anastasia Aninditia Muman Dewi Friski Fahrul Yadin Hasna Dewi Julia Amanda Kurniawan Nilfatri Reza Okva Marwendi Soban Ahmad Zaenal Abidin Zeni Sunarti